Active member

Currently working and paying into the Pension Scheme

Welcome to the section of the site for members who are currently paying in to the Pension Scheme.

Whether you've just joined or you are about to retire you can find out all about your pension scheme here. You can move around this part of the site by clicking the pages listed on the left.

Other useful links appear on the right as well as any forms or documents that might be helpful. These links change on each page so they are relevant to the content you are reading.

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How a CARE scheme works

From 1st April 2014 the LGPS became a Career Average Revalued Earnings (or CARE) scheme. A CARE scheme calculates pension using the formula:

Pension = Membership x Accrual Rate x Pensionable Pay

In a CARE scheme the pensionable pay for each year of membership is used, in order to calculate a pension amount for that particular year. That pension amount is then increased (revalued) each year in line with inflation (it should remembered that, while your CARE pension might be expected to increase each year, the pension amount could be reduced should there be negative inflation). These individual pension amounts are then added together to arrive at the total pension payable from the scheme.
You may find the following diagram useful in explaining this to you.

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